The Research On Micro-enterprise Credit Risk Management Of Commercial Bank

At present, the financing demand of the small micro enterprise growth is rapidly expanding by more than10%, but accordingly, demand gap also with13%increase every year. Obviously, with the demand for credit in short supply, the financing demand of the small micro enterprise has serious contradictions between demand and supply of bank lending.From the current situation of the credit, the business scale of the small micro enterprise is small, the financial system is not standard, the credit is low, which leads to so many credit business problems of the small micro enterprise.The further credit risk causes and characteristics analysis can be seen that both commercial Banks and the small micro enterprises has partly responsible for the formation of credit risk:on the one hand, because of the social credit foundation, the bank system, management style, business varieties, commercial banks are to accept the model which leads to one of the most important aspects of the credit risk of the small micro enterprise; Information feedback mechanism has not established, credit rating adjustment is not timely, and the effective compensation mechanism from the regulatory level is lack,which increases the credit risk of the small micro enterprise; On the other hand, with their own point of view, the factors of industry risk, the factors of risk management and the factors of the willingness and ability to reimbursement, are the lifeblood of the credit risk of the small micro enterprise. Under the influence of the above, the credit risk of the small micro enterprise has information asymmetry, instability and the chance to characteristics of correlation.Based on the above analysis, we should consider building the credit risk rating system of commercial Banks about the small micro enterprise. Embedded within the permitted the rating, the way of the wind in the commercial bank management control to operate in the building, with internal rating method as the foundation for building, comprehensive measure of small micro enterprise credit risk, in order to solve the question of whether small micro enterprise can get loans; Selection in terms of controllability rating, credit background factors, industry factors, management factors, financial risk management factors and the source of repayment, etc factors constitute the index system of measuring single loan credit risk, mainly measuring small micro enterprise loan period operating conditions, guarantee coverage, etc, appear the possibility of risk, so as to solve the problem of how to small micro enterprise credit.The case that one small micro enterprise named TZ applies for5million credit lines can prove the operability of the credit risk assessment system. At the same time, I put forward some advice for the credit risk management of small micro enterprise. Firstly, we should promote the "credit factory" pattern. In the future, from the third party intervention mode, expand the industrial chain model of credit, credit industrialization and other forms,we can expand the strength of credit benefit about small micro enterprise; Secondly, we should think about the loan risk classification system of small micro enterprise, combined with ’the Banks to carry out small enterprise loan business guidance’. We need to explore the suitable rating method for the credit risk characteristics of small micro enterprise, according to the other bank credit project risk; Thirdly, we should think about establishing a comprehensive credit risk regulatory system. Considering the monitoring frequency, the credit risk model of significant matters post-loan monitoring for the second source of repayment post-loan monitoring, commercial banks are still trying to space.